Search found 62 matches

by Creditcardguy
Sun Oct 20, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: Turks & Caicos on a budget??
Replies: 14
Views: 2806

Re: Turks & Caicos on a budget??

We stayed at a VRBO at The Alexandria in June 2017, right next to Beaches on Grace Bay. On the beach, side ocean view, 7 nights about $2300, with a small kitchen so you can load up at the one grocery store and make breakfast at least. No such thing as a cheap restaurant, but the food was very good. ...
by Creditcardguy
Sun Oct 20, 2019 6:34 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4501
Views: 860330

Re: What's Your Credit Card Rewards Strategy?

I got a targeted offer from Chase Ink business offering $2,000 cash back for spending $50k within 6 months of account opening. Best CC cash back deal I’ve ever seen. Anyone else get this? I did this with Capital One Spark Business. $2000 plus 2% off of everything was a great deal I thought. Now I u...
by Creditcardguy
Tue Jul 09, 2019 5:10 pm
Forum: Personal Investments
Topic: Help - Talk to me like I'm 4 y/o please
Replies: 97
Views: 11144

Re: Help - Talk to me like I'm 4 y/o please

I thought I owed my Edward Jones guy a chance to justify his value before I jumped ship. I was advised here NOT to go. Mr. Edward Jones guy showed me so many charts and graphs, by the end my eyes were spinning like bb's in a saucer. I asked a question, he had the answer before I could finish talking...
by Creditcardguy
Mon Apr 22, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35942

Re: How did you feel about your 2018 tax returns?

As a small business owner, my taxes went down substantially. I was happy, happy, happy. :D
by Creditcardguy
Sun Apr 21, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Anyone use Gate 1 Travel?
Replies: 17
Views: 2259

Re: Anyone use Gate 1 Travel?

Reviving this thread as I’ve been impressed with Gate1. We go with 10 friends. Last year Ireland, this year Greece. Nice accommodations, friendly, knowledgeable, English speaking tour guide (same one for the entire trip), full itinerary, modern buses. Very organized. The value is amazing. Example: 8...
by Creditcardguy
Sat Apr 20, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6381

Re: At what point would you hire someone vs. cut down a tree yourself?

I wouldn’t try the pine tree myself, so while the tree guy is there get an estimate for both. Making it fall in the right direction isn’t as easy as it looks. Get 3 estimates, tree company prices are all over the place. Include stump grinding if possible. Make sure they are insured. Ask for the best...
by Creditcardguy
Mon Apr 15, 2019 5:08 pm
Forum: Personal Investments
Topic: Fidelity ZERO Total Market Index closed to new investors?
Replies: 9
Views: 2573

Re: Fidelity ZERO Total Market Index closed to new investors?

That's odd, I have it in my Traditional IRA with Fidelity. You'd think the Fidelity guy would have told me that - he just said it should re-open but he didn't know when. :shock:

I guess FSKAX(Fidelity Total Market Index Fund) it is...
by Creditcardguy
Mon Apr 15, 2019 4:55 pm
Forum: Personal Investments
Topic: Fidelity ZERO Total Market Index closed to new investors?
Replies: 9
Views: 2573

Fidelity ZERO Total Market Index closed to new investors?

Hello,
Tried to contribute to my Fidelity self employed 401k today with FZROX (Fidelity ZERO Total Market Index) and found out that it's closed to new investments? This fund has only been around a few months, is this normal? Any idea when it might reopen? I'm a newbie.
Thanks,
CCG
by Creditcardguy
Mon Mar 18, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Fishing Kayak recommendation
Replies: 50
Views: 2892

Re: Fishing Kayak recommendation

I actually have the Explorer K2 at the condo in Fort Walton Beach. Use in the Gulf and the bays. It’s stable, fairly rugged, the pump that comes with it is excellent, and we have a great time in it. Even the paddles are decent. Deflates easily for storage and transport. Just in case anyone wants to ...
by Creditcardguy
Mon Mar 18, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: Fishing Kayak recommendation
Replies: 50
Views: 2892

Re: Fishing Kayak recommendation

I’ve fished in the tandem Hobie Mirage and it was great. The gears are made for saltwater as well. Layout is good for fishing. But they’re expensive. For fun, I just checked craigslist and there is one for $1600 in Madison, MS, about half price I think. They’re all used once they hit the water, chec...
by Creditcardguy
Sun Mar 17, 2019 3:30 pm
Forum: Personal Investments
Topic: Advice on meeting my financial goal
Replies: 15
Views: 1024

Re: Advice on meeting my financial goal

The money market has only been there since last June. Sold my daughter’s college condo in June and a small business portfolio in October. Putting 2 kids through college with no debt was not cheap btw. One kid to go. We were thinking about another beach condo but a 50/50 mix in the market is probably...
by Creditcardguy
Sun Mar 17, 2019 12:33 pm
Forum: Personal Investments
Topic: Advice on meeting my financial goal
Replies: 15
Views: 1024

Re: Advice on meeting my financial goal

This may or may not be what you're looking for but it's what makes sense to me: 1) Take $208k out of the MM account at Capital One. This will become part of your retirement portfolio. Leave $50k at CapOne as your emergency fund and forget about it from here on out. It's your EF, not your retirement...
by Creditcardguy
Sun Mar 17, 2019 11:47 am
Forum: Personal Investments
Topic: Advice on meeting my financial goal
Replies: 15
Views: 1024

Re: Advice on meeting my financial goal

As a gut check if you income is $300k and you're saving $56K you current COL is $244K. This spending will require $6.1M in investments in retirement. Oops. My adjusted gross income is more like $225K. We do spend a lot, no question, but I’d really like to know what low risk funds I might consider t...
by Creditcardguy
Sun Mar 17, 2019 10:50 am
Forum: Personal Investments
Topic: Advice on meeting my financial goal
Replies: 15
Views: 1024

Advice on meeting my financial goal

I’m 51, wife 49. Very thankful to find bogleheads almost a year ago, left EJ, but I still need help. Looking at a 10 year window, my goal is to have at least 1.5m in our retirement accounts. Here’s my current situation with bulk of assets... No debt IRA/self employed 401k ~ 244k in 3 fund portfolio ...
by Creditcardguy
Thu Mar 14, 2019 8:50 pm
Forum: Personal Investments
Topic: Best way to contribute to Fidelity i401k
Replies: 16
Views: 899

Re: Best way to contribute to Fidelity i401k

I have wifes IRA, my SEP, Brokerage accounts and 529's at Fido. My SEP I just use the Fido app on my phone and snap a picture of the check from my business checking account. Ready for investing by the end of the day. My other accounts I just have set up automatic transfers from my personal checking...
by Creditcardguy
Thu Mar 14, 2019 8:37 pm
Forum: Personal Investments
Topic: Another Edward Jones defector
Replies: 51
Views: 8756

Re: Another Edward Jones defector

My American funds did pretty well until this last year, still not too bad. My fear is 1) They don’t use American funds anymore, 2) The Guided Solutions cost more and didn’t perform as well, and 3) reversion to the mean. That, plus all of the reasons in The Bogleheads Guide to the 3 fund portfolio, m...
by Creditcardguy
Thu Mar 14, 2019 6:21 pm
Forum: Personal Investments
Topic: Another Edward Jones defector
Replies: 51
Views: 8756

Re: Another Edward Jones defector

Ditto on the congratulations! You did a very smart thing. Hopefully others will have read this thread and bail. What they do is purely obscene. Always curious what an EJ portfolio might look like so I can test it out. Can you provide the ticker symbols along with the approx percentages of each? Ok,...
by Creditcardguy
Thu Mar 14, 2019 11:34 am
Forum: Personal Investments
Topic: Best way to contribute to Fidelity i401k
Replies: 16
Views: 899

Re: Best way to contribute to Fidelity i401k

I have my own business too and I have Simple IRA thru Fidelity. I make deposits to my qualified employees using Fidelity's Plan Manager, my business checking account is linked to it. I just go on it select an employee then just enter an amount and hit send and it'll electronically deposit the funds...
by Creditcardguy
Thu Mar 14, 2019 10:27 am
Forum: Personal Investments
Topic: Best way to contribute to Fidelity i401k
Replies: 16
Views: 899

Re: Best way to contribute to Fidelity i401k

Thanks all. Looks like a Cash Management Account is what I need. Closest office is 6 hours away, or that would be perfect.
by Creditcardguy
Thu Mar 14, 2019 7:30 am
Forum: Personal Investments
Topic: Best way to contribute to Fidelity i401k
Replies: 16
Views: 899

Re: Best way to contribute to Fidelity i401k

nolesrule wrote:
Thu Mar 14, 2019 7:22 am
Your diddly of not earning anything for a week comes to about $25. I wouldn't be that concerned.
I’m sorry, I thought this was Bogleheads.org!! :mrgreen:

I just think sending a check every month is a bit of a pain, and I don’t like the time lag. There must be a better way. 8-)
by Creditcardguy
Thu Mar 14, 2019 7:02 am
Forum: Personal Investments
Topic: Best way to contribute to Fidelity i401k
Replies: 16
Views: 899

Best way to contribute to Fidelity i401k

Hello! Recently set up with Fidelity and 3 fund portfolio. I’m going to contribute $56000 yr to my self employed 401k for the foreseeable future. So far, I’ve had to mail them a check and wait for it to clear. Takes too long and that money makes diddly for a week. I’d like to do $5000 a month and ju...
by Creditcardguy
Wed Mar 13, 2019 6:08 pm
Forum: Personal Investments
Topic: Another Edward Jones defector
Replies: 51
Views: 8756

Re: Another Edward Jones defector

Ahhhhhhhh... free at last. My Edward Jones IRA’s were finally transferred to Fidelity and settled into a 3 fund portfolio Monday. Well, actually Tuesday because when I sold the EJ stuff Monday I was out of the market for a day. :( Was a bit of a pain because the Guided Solutions had to be moved to c...
by Creditcardguy
Tue Mar 05, 2019 10:21 pm
Forum: Personal Investments
Topic: Advice for 3 fund at Fidelity for newbie
Replies: 11
Views: 1456

Re: Advice for 3 fund at Fidelity for newbie

X2. Just bought the book. :happy
by Creditcardguy
Tue Mar 05, 2019 11:18 am
Forum: Personal Investments
Topic: Advice for 3 fund at Fidelity for newbie
Replies: 11
Views: 1456

Re: Advice for 3 fund at Fidelity for newbie

The boglesheads wiki has a useful table: https://www.bogleheads.org/wiki/Fidelity But to help you along, assuming a tax-advantaged account: Total US Market: Fidelity ZERO Total Market Index Fund FZROX 0.00% Total US Bond: Fidelity U.S. Bond Index Fund FXNAX 0.025% Total Ex-Us Stock: Fidelity ZERO I...
by Creditcardguy
Wed Feb 27, 2019 9:12 am
Forum: Personal Investments
Topic: Moving from Fidelity to Edward Jones
Replies: 26
Views: 3572

Re: Moving from Fidelity to Edward Jones

I apologize if my misleading thread title offended anyone. I wanted to share my experience moving my funds to Fidelity, perhaps it will help someone that finds themselves in a similar situation. I tracked my results since June, to the best of my ability, and the difference was about 6% (EJ -2.5%, Fi...
by Creditcardguy
Tue Feb 26, 2019 11:28 pm
Forum: Personal Investments
Topic: Moving from Fidelity to Edward Jones
Replies: 26
Views: 3572

Re: Moving from Fidelity to Edward Jones

Thanks. I found Bogleheads last May and set up my self employed 401k with the 3 fund portfolio in June. My mistake was leaving the EJ stuff alone. Fidelity will reimburse the fees after the transfer is complete, 2 are still pending. If my American Funds were less than a year old they would have tack...
by Creditcardguy
Tue Feb 26, 2019 9:40 pm
Forum: Personal Investments
Topic: Moving from Fidelity to Edward Jones
Replies: 26
Views: 3572

Moving from Fidelity to Edward Jones

Just kidding, but I've never seen this topic come up!! :mrgreen: Actually, I just saw the light and moved my 4 EJ accounts to Fidelity, after 12 faithful years with my good buddy edwardjonesguy. I even let him talk me out of it last summer, with some very pretty charts and graphs, but the index has ...
by Creditcardguy
Sat Feb 23, 2019 10:08 am
Forum: Personal Investments
Topic: How to move Edward J accounts/funds to Vangard or fidelity
Replies: 10
Views: 922

Re: How to move Edward J accounts/funds to Vangard or fidelity

I did this with Fidelity 3 days ago. They walked me right through it, fairly simple. Traditional IRAs was all I had, 4 total. I takes a few days to actually move, mine’s still pending. They will reimburse me for the $390 cancellation fee (thanks a lot EJ) and throw in 500 free trades, but you have t...
by Creditcardguy
Sat Feb 23, 2019 12:28 am
Forum: Personal Consumer Issues
Topic: Can solar be worth it??
Replies: 78
Views: 8887

Re: Can solar be worth it??

I think it’s hard to justify solar without a big tax incentive, at least in Louisiana. I bought a 7.5kW system (30 panels, 2 inverters) in 2013 which was $25000 but with 80% tax rebate/credit only cost me $5000. Save about 150mth average so I’m in the green. Never had a problem but changing an inver...
by Creditcardguy
Wed Feb 20, 2019 4:21 pm
Forum: Personal Investments
Topic: Moving from EJ to Vanguard
Replies: 28
Views: 3404

Re: Moving from EJ to Vanguard

I did it. Sorry Edward Jones' guy...
by Creditcardguy
Wed Feb 20, 2019 12:30 pm
Forum: Personal Investments
Topic: Moving from EJ to Vanguard
Replies: 28
Views: 3404

Re: Moving from EJ to Vanguard

Update - I've seen the light. Stuck with Edward Jones last June for my existing 401K, after my EJ guy convinced me American Funds couldn't be beat, even with management fees. Seemed sincere about it, too. I went with Fidelity and the 3 fund portfolio last June to start my i401K. Since the market vol...
by Creditcardguy
Wed Oct 03, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Delete
Replies: 119
Views: 12474

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

When I moved into my new to me house in July 2009 both my A/C's were blowing hot. Come to find out the owner had pumped em with freon the day before the home inspection. Since the home inspector didn't find anything wrong I didn't buy the 1 year warranty - a $3000 lesson as I had to get new coils in...
by Creditcardguy
Wed Jul 11, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: In Pursuit of the Perfect Portfolio: John C. Bogle
Replies: 4
Views: 1451

Re: In Pursuit of the Perfect Portfolio: John C. Bogle

Excellent interview, my first time hearing him speak. He is sharp as a tack and very charismatic! :D
by Creditcardguy
Mon Jul 09, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Ireland trip
Replies: 20
Views: 1937

Re: Ireland trip

We just did 9 days in Ireland through Gate1 travel agency. Nice accommodations, new tour buses, great tour guide that takes the whole trip with you. Great value I thought. Highly recommended if you don't feel like planning everything yourself, or driving on crazy skinny roads. Google Gate1 for detai...
by Creditcardguy
Thu Jul 05, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 9195

Re: Tipping at non sit down places

No wonder I'm poor!! <bangheademoji>
by Creditcardguy
Tue Jun 26, 2018 8:02 pm
Forum: Personal Investments
Topic: Newbie - i401k with Fidelity
Replies: 8
Views: 835

Re: Newbie - i401k with Fidelity

Great thanks
by Creditcardguy
Tue Jun 26, 2018 1:53 pm
Forum: Personal Investments
Topic: Newbie - i401k with Fidelity
Replies: 8
Views: 835

Re: Newbie - i401k with Fidelity

So I have my Fidelity i401k funded but it's brand new so I can't buy all premium funds as they don't meet the $10,000 minimum. I can contribute $30k a year for me and $26 for her. Can I get a non premium bond fund and international fund for now and then switch to the premiums next year when I can hi...
by Creditcardguy
Thu Jun 21, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 54893

Re: GEICO auto rates vs. USAA: too good to be true?

Thanks to this thread I checked with Geiko on my 3 cars. Been with State Farm for several years. 6 months heavy coverage was $2500. Geiko, same coverage, $1100! :shock:

Thanks for the thread, got my Geico card yesterday. :beer
by Creditcardguy
Thu Jun 14, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is it even possible to contest a credit card charge nearly 6 months later
Replies: 15
Views: 1530

Re: Is it even possible to contest a credit card charge nearly 6 months later

You generally have 1 year to dispute a credit card charge. If you never received the tickets you should get your money back. Not 100% guaranteed though. I would think they could just resend the confirmation if there is one. If not, call the number on the back of your card and initiate a dispute asa...
by Creditcardguy
Wed Jun 13, 2018 8:34 pm
Forum: Personal Investments
Topic: What financial vehicle was this??
Replies: 6
Views: 1024

Re: What financial vehicle was this??

Ok, I'll call him tomorrow and find out. Will report back. I thought this would be easy for you fellers!! :moneybag
by Creditcardguy
Wed Jun 13, 2018 7:58 pm
Forum: Personal Investments
Topic: What financial vehicle was this??
Replies: 6
Views: 1024

What financial vehicle was this??

A few months back (before I found bogleheads.org), Edward Jones set my mother up with something for $35k that was just sitting in her checking account. It was a 1% load, she has to leave it there for at least 3 years, and when she takes it out there is no tax due on the growth, supposedly 4-5% per y...
by Creditcardguy
Wed Jun 13, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is it even possible to contest a credit card charge nearly 6 months later
Replies: 15
Views: 1530

Re: Is it even possible to contest a credit card charge nearly 6 months later

You generally have 1 year to dispute a credit card charge. If you never received the tickets you should get your money back. Not 100% guaranteed though. I would think they could just resend the confirmation if there is one. If not, call the number on the back of your card and initiate a dispute asap...
by Creditcardguy
Mon Jun 11, 2018 2:16 pm
Forum: Personal Investments
Topic: Newbie - i401k with Fidelity
Replies: 8
Views: 835

Re: Newbie - i401k with Fidelity

Fidelity® Total Market Index Premium FSTVX 50% Fidelity® Total Intl Index Premium FTIPX 20% Fidelity® US Bond Index Premium FSITX 30% Good point, I thought you guys had all these memorized! :mrgreen: I searched Morningstars 5 star, low cost index funds and (Fidelity® 500 Index Institutional Prem FXA...
by Creditcardguy
Mon Jun 11, 2018 10:02 am
Forum: Personal Investments
Topic: Newbie - i401k with Fidelity
Replies: 8
Views: 835

Newbie - i401k with Fidelity

Starting new i401k with Fidelity after much research here. 51yo wife 48 would like to max it out for the next 15 years or so. Looks like... FSTVX 50% FTIPX 20% FSITX 30% Does this look acceptable? I've got some catching up to do. Why not FXAIX instead of FSTVX? S&P 500, 5 star Morningstar rating wit...
by Creditcardguy
Mon Jun 11, 2018 8:20 am
Forum: Personal Investments
Topic: Solo 401k - fidelity vs. vanguard
Replies: 28
Views: 4721

Re: Solo 401k - fidelity vs. vanguard

I recently had to make this very decision between Vanguard and Fidelity solo 401k plans. After looking through all of the different plans, the decision (at least for me) boiled down to two factors: 1) Do you want to take advantage of a Roth option for solo 401k? 2) How concerned are you about acces...
by Creditcardguy
Sat Jun 09, 2018 4:51 am
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 12723

Re: Why do we work?

With your housing dilemma, your real question should be, "Why did I get married?". :mrgreen:
by Creditcardguy
Fri Jun 08, 2018 4:13 pm
Forum: Personal Investments
Topic: Moving from EJ to Vanguard
Replies: 28
Views: 3404

Re: Moving from EJ to Vanguard

Thanks, I'm starting off with a tax deferred i401K, sending off Vanguard paperwork today. :happy
by Creditcardguy
Thu Jun 07, 2018 11:32 am
Forum: Personal Investments
Topic: American Funds vs. index funds - comparing returns
Replies: 21
Views: 5236

Re: American Funds vs. index funds - comparing returns

I have my IRA in American Funds, and thought I should move to Vanguard index funds. I planned to use VTI (Total US), VXUS (Total International) and BND (US bonds). As a first step, I looked at the performance of my AF portfolio vs. using V. I have not made significant changes to my IRA over the yea...
by Creditcardguy
Wed Jun 06, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 92
Views: 20493

Re: Why Edward Jones?

I had a meeting with my Edward Jones guy today. I told him I was thinking about self managing my money via Vanguard index funds. I'll just frankly share the conversation. He was ready for me, as I called him Monday and scheduled the meeting. He pulled up numerous funds, within my American Funds, tha...
by Creditcardguy
Wed Jun 06, 2018 5:49 pm
Forum: Personal Investments
Topic: Moving from EJ to Vanguard
Replies: 28
Views: 3404

Re: Moving from EJ to Vanguard

Great info, thank you. I think I'm sticking with Vanguard just due to the overall preferences here. Ok, does this look better for my situation? VTSAX 50% VTIAX 20% VBTLX 30% If I rolled my IRA (168K) into this mix, and then maxed out a solo K (63K) with the same mix, I think that's all I can do with...